under the law on interests of loans of financial institution; “foreign financial institution” means any juristic person established under foreign law licensed to provide derivatives services under the law

provide derivatives services under the law of such foreign countries; “institutional investor” means institutional investor under Section 3 of the Derivatives Act B.E. 2546 (2003) and the Notification of

loan-related services in accordance with the TFRS 9. Operating expenses were similar to the first half of 2019, and the cost to income ratio was 45.0 percent. The Bank continues to take a well

Company Limited (“the Company”) had revenue from services of THB 1,151.6 million, decreased by 34.3% from the six months ended of the year 2019, as a result of the temporary suspension of hotel operation in

dine-in areas resulting in higher proportion of take-home products and orders via food delivery services, which have lower margins than dine-in products, as well as the sales of raw material to Mikka

platform that can meet customers’ needs in every aspect of their lives by leveraging our strengths as Thailand’s number-one digital banking provider and enhancing our services under three-pronged approach

subsidiaries (“the Group”) as follow. Financial Performance of the Group Q1-2020 Q2-2020 Q3-2020 Q4-2020 2019 2020 THB Mn THB Mn THB Mn THB Mn THB Mn % THB Mn THB Mn THB Mn % Sales of goods and services 1,115.7

SERITHAI 62, MINBURI, BANGKOK 10510 บมจ. 346 Tel. 66-2-517-0109-14 Fax 66-2-5170529 Growth Rate Total Asset (%) 0.44 (3.50) (3.85) Total Debt (%) (1.94) (6.90) (2.82) Revenue from Sales or Services (%) (9.28

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

started its positive contribution to NPAT. Continued growth in digital services AIS digital services continued to scale in size focusing on growing user base both in consumer segment and enterprise